Contractors Liability insurance & Construction Insurance

Specializes in the Design and Placement of Insurance Programs for Contractors

Cool Insuring Agency, Inc. specializes in the design and placement of insurance programs for the complete spectrum of contractors and we maintain a Construction Division as part of our agency’s structure. Our Construction Division consists of underwriters, account managers and loss prevention and claims specialists specifically trained in the unique needs of contractors who operate in New York State.

Our construction clientele, coverage and services are as follows:

Construction Clientele:

  • General Contractors
  • Artisan / Trade Contractors
  • Residential Home Builders
  • Construction Managers
  • Environmental Contractors
  • Architects & Engineers


  • General Liability, including full coverage for New York Labor Law
  • Products / Completed Operations
  • Commercial Automobile
  • Workers’ Compensation
  • Umbrella / Excess Liability
  • Real & Personal Property
  • Builders Risk
  • Equipment & Tool Floaters
  • Railroad Protective Liability
  • Owners & Contractors Protective Liability
  • Surety Bonds
  • Employment Practices Liability
  • Environmental Liability


  • Contract Reviews including insurance requirements and hold harmless / indemnification wording.  We offer insight on how our clients can bolster their contractual risk transfer protocols
  • Job Specifications Review for not only the actual contractors but also construction managers, developers and property owners
  • Certificates of Insurance preparation
  • Premium Audit Analysis – We help you establish payroll / classification records to ensure accurate premiums
  • Risk Management – Job Site surveys, OSHA Consultation & Training, Construction Safety Specialist on Staff

We feel our expertise in addressing all of the insurance brokerage and risk management needs of contractors is unrivaled.  If you represent a contractor and you want to discuss Cool Insuring Agency’s capabilities please call us at 1-800-233-0115, or e-mail us at  We look forward to hearing from you!